Similar Books

Get out of debt and stay out with the help of Dave Ramsey, the financial expert who has helped millions of Americans control their money

The Financial Peace Planner may be the most valuable purchase you ever make. Dave Ramey's practical regimen, based on his own personal experience with debt, offers hard-won advice and much needed hope to people who find themselves in serious debt and desperate for a way out. This book comes in a workbook format, allowing you to frequently monitor your progress and, most importantly, to face your situation honestly. Loaded with inspirational insights that come from personal experience, this set of books will be life changing for any debt-ridden readers.

George S. Clason’s The Richest Man in Babylon is an early twentieth century classic about financial investment and monetary success. It rapidly became one of the best-selling books of all time. Through a series of enlightening parables set in the heart of ancient Babylon Clason provided his readers with economic tips and tools for financial success. Karen McCreadie’s brilliant interpretation of Clason’s masterpiece offers twenty-first century readers 52 simple, powerful and proven techniques to manage their finances. Inside you will discover: • How to create opportunity and become lucky with money; • Ways to make your skills and talents financially rewarding; • How to balance risk and reward to keep your finances healthy and secure; • Why radical action is often necessary in order to turn your finances around; • How to distinguish good debt from bad debt and detox your finances. This interpretation of George S. Clason’s The Richest Man in Babylon is not a substitute for the original. Its purpose is simply to show the timeless nature of Clason’s insights by bringing them to life in a contemporary context. Karen McCreadie’s brilliant interpretation of The Richest Man in Babylon is an entertaining accompaniment to one of the most influential books on personal finance ever written.

Experience a life free of financial stress and transform your relationship to money with this indispensable guide—the first book based on You Need A Budget’s proven method that has helped hundreds of thousands of people break the paycheck to paycheck cycle, get out of debt, and live the life they want to live.

No one should tell you what to do with your money—only you know what’s most important to you. Always guiding you back to your true priorities, Jesse Mecham will fundamentally change the way you think about your money and what it can do for you. His proven method—four, simple rules—will transform money management from a paralyzing burden to a powerful tool, putting you in total control of your life:

Give Every Dollar A Job. Be intentional about what you want your money to do before you spend it.Embrace Your True Expenses. Break up larger, less frequent expenses into smaller, more manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job.Roll With The Punches. When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable.Age Your Money. As you repeat the first three rules, you’ll increase the time between the moment you earn a dollar and the moment you need to spend it. When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good.

This tried-and-true system has changed the lives of hundreds of thousands of people by teaching them how to take charge, adjust money habits, eliminate stress, and build the life they want to live. Don’t waste another month counting down the minutes until payday....

• You’re ready to make a difference in the world—through your own start-up business, a nonprofit organization, or a new project that you create within your current job. • You want to love your work, work for what you love, and have a positive impact on the world—all at the same time. • You’re inspired by charity: water, method, and FEED Projects and want to learn how these organizations got their start. • You’re curious about how someone who never made a pair of shoes, attended fashion school, or worked in retail created one of the fastest-growing footwear companies in the world by giving shoes away. • You’re looking for a new model of success to share with your children, students, co-workers, and members of your community.

In today’s economy, being money savvy is a necessity. For most American households cutting back on the things they love has become harder and harder to bear. But there are ways to get what you want at a fraction of the cost—if not free.

With this book, extreme couponing expert Joni Meyer-Crothers explains precisely how she has managed to save thousands by clipping coupons, using them wisely and never paying full retail price for any product. She reveals what basic items you should never pay for (toothpaste, toothbrushes, razors, pasta, etc.), and teaches readers techniques to obtain coupons that do not cost a penny and turn them around to save big on groceries, cleaning items, hygienic supplies, and many other household products.

Learn the basics of couponing, maximizing your savings, and thinking outside of the box when it comes to how you shop. With Extreme Couponing, there’s no reason to pay full price for the things you need in life.

Suze Orman has transformed the concept of personal finance for millions by teaching us how to gain control of our money -- so that money does not control us. She goes beyond the nuts and bolts of managing money to explore the psychological, even spiritual power money has in our lives. The 9 Steps to Financial Freedom is the first personal finance book that gives you not only the knowledge of how to handle money, but also the will to break through all the barriers that hold you back.

Combining real-life recommendations with the motivation to overcome financial anxieties, Suze Orman offers the keys to providing for yourself and your family, including:

* seeing how your past holds the key to your financial future* facing your fears and creating new truths* trusting yourself more than you trust others* being open to receiving all that you are meant to have* understanding the lessons of the money cycle

The 9 Steps to Financial Freedom is useful advice and inspiration from the leading voice in personal finance. As Orman shows, managing money is far more than a matter of balancing your checkbook or picking the right investments. It's about redefining financial freedom -- and realizing that you are worth far more than your money.

Now in paperback: The New York Times bestselling author and star of A&E?s reality series Big Spender, Larry Winget, cleans up America?s personal finance crisis

More than 40 percent of families today are feeling financial pressure: spending more than they earn, and worrying about retiring and being dependent on the government, family, or charity. Larry Winget knows. He grew up poor, then made and lost a fortune when a business in which he?d invested went bankrupt. But he worked his way back from rock bottom to become a multimillionaire.

In You?re Broke Because You Want to Be, Winget expands on the ideas that have made his popular television show Big Spender a hit and offers straightforward talk about coming to grips with your finances, such as:

· Feel bad. Have remorse. You need to feel deep emotion to take action. So start crying and take responsibility. · Figure out who you owe and how much you owe. It?ll be a scary number to face, but you need to know where you are and what you have. · ?People are stupid, lazy, or they don?t give a damn.? You already know you need to do something; Larry will help you finally do something. · Are you more interested in looking cool and being cute or providing a financially secure future for your family? How you spend your money will tell you that. With a boot-camp regimen that is steeped in personal accountability, Winget cuts through the double-talk contained in most finance books and presents a simple, guided program that is sure to motivate anyone out of their money problems.

Your days of feeling enslaved, discouraged, and overwhelmed by your financial problems are over!

From struggling financially all the way up to building a successful worldwide ministry and enjoying financial freedom, author Gary Keesee shares his journey and his proven successful principles so you can control your finances.

You will learn the spiritual laws of God’s Kingdom and exactly how to apply each principle discussed. Also clearly and expertly explained is how to:

Find lost money.Put a plan in place to be out of debt in less than 7 years (including your mortgage!).Save in every area of life.See that the financial laws of the Kingdom can intersect with the natural realm to bring you freedom from worry and fear.From pitfalls to avoid to proactive steps to take, the path to financial freedom is clearly illuminated.

Fixing the Money Thing is not a book of boring numbers and budgets—it is an inspirational book that will change your life in many positive and lucrative ways.

Veteran urban activist Robert Lupton reveals the shockingly toxic effects that modern charity has upon the very people meant to benefit from it. Toxic Charity provides proven new models for charitable groups who want to help—not sabotage—those whom they desire to serve. Lupton, the founder of FCS Urban Ministries (Focused Community Strategies) in Atlanta, the voice of the Urban Perspectives newsletter, and the author of Compassion, Justice and the Christian Life, has been at the forefront of urban ministry activism for forty years. Now, in the vein of Jeffrey Sachs’s The End of Poverty, Richard Stearns’s The Hole in Our Gospel, and Gregory Boyle’s Tattoos on the Heart, his groundbreaking Toxic Charity shows us how to start serving needy and impoverished members of our communities in a way that will lead to lasting, real-world change.

An essential, galvanizing narrative about making a difference here and abroad—a road map to becoming the most effective global citizens we can be.

In their number one New York Times best seller Half the Sky, husband-and-wife team Nicholas D. Kristof and Sheryl WuDunn brought to light struggles faced by women and girls around the globe, and showcased individuals and institu­tions working to address oppression and expand opportunity. A Path Appears is even more ambi­tious in scale: nothing less than a sweeping tap­estry of people who are making the world a better place and a guide to the ways that we can do the same—whether with a donation of $5 or $5 mil­lion, with our time, by capitalizing on our skills as individuals, or by using the resources of our businesses.

With scrupulous research and on-the-ground reporting, the authors assay the art and science of giving, identify successful local and global initia­tives, and share astonishing stories from the front lines of social progress. We see the compelling, in­spiring truth of how real people have changed the world, upending the idea that one person can’t make a difference.

We meet people like Dr. Gary Slutkin, who devel­oped his landmark Cure Violence program to combat inner-city conflicts in the United States by applying principles of epidemiology; Lester Strong, who left a career as a high-powered television anchor to run an organization bringing in older Americans to tu­tor students in public schools across the country; MIT development economist Esther Duflo, whose pioneering studies of aid effectiveness have revealed new truths about, among other things, the power of hope; and Jessica Posner and Kennedy Odede, who are transforming Kenya’s most notorious slum by ex­panding educational opportunities for girls.

A Path Appears offers practical, results-driven advice on how best each of us can give and reveals the lasting benefits we gain in return. Kristof and WuDunn know better than most how many urgent challenges communities around the world face to­day. Here they offer a timely beacon of hope for our collective future.

Do you have too much month at the end of your money? Is your credit card screaming for relief? Are you tired of robbing Peter to pay Paul . . . whoever they are?

Meet Steve and Annette Economides. They’ve been called cheapskates, thriftaholics, and tightwads, but in these tough economic times, Steve and Annette have managed to feed their family of seven on just $350 per month, pay off their first house in nine years and purchase a second, larger home, buy cars with cash, take wonderful vacations, and put money in savings. Without degrees in finance or six-figure salaries, Steve and Annette have created a comfortable, debt-free life for themselves and their children. In America’s Cheapest Family Gets You Right on the Money, they show you how they did it- and how you can do it too.

Steve and Annette share many down-to-earth principles and the simple spending plan that they have used since 1982. They have taught this economizing lifestyle to thousands of people worldwide through seminars and their newsletter, and they include lots of real-life stories to make you feel as if you’re having your own private coaching session. Not only will you find solutions to your financial dilemmas, you’ll also discover a whole new way of life.

You don’t need to be a CPA or a math wizard to learn their revolutionary system, which will teach you:

- hundreds of ways to save money on everyday household expenses, including groceries, clothing, and health care- how to save in advance for major purchases such as homes, cars, and vacations- how to stop living paycheck to paycheck- how to eliminate debt . . . forever!

America’s Cheapest Family Gets You Right on the Money puts meeting your financial goals- and living well at the same time- in reach for every family.

Napoleon Hill is one of the world’s most enduringly popular motivational authors. He spent much of his life researching the behaviours and activities of wealthy people to work out the characteristics that made them so successful. Through his interviews with hundreds of the most affluent men and women of his time he discovered that if we can learn to think like the rich we can start to emulate their success. In Think and Grow Rich Hill explained the thirteen simple steps in his formula for success, and by understanding and applying them you can change your life. The original version of Think and Grow Rich, which has sold 80 million copies worldwide, is a classic containing advice on everything from making your first million to leadership excellence and even maintaining loving relationships. It is unlikely that there is a personal development seminar anywhere on the planet that can’t trace its roots back to Think and Grow Rich. Napoleon Hill’s Think and Grow Rich by Karen McCreadie illustrates Hill’s thirteen principles of achievement with modern case studies and reviews of recent scientific research to enable 21st century readers to learn how to manage their thinking and transform their quality of life. Readers will discover: · Why you need to know your ‘definite major purpose’ in order to make progress; · How remaining flexible can turn set-backs into success; · The power of language and how widening your vocabulary can set you free; · How to harness your subconscious and turn your dreams into reality; · Why you don’t need to know it all in order to succeed. McCreadie’s thoroughly up-to-date interpretation of Napoleon Hill's work is not a substitute for the 1937 original, but seeks to illustrate the timeless nature of Hill’s extraordinary insights by bringing them to life with modern examples.

A simple, proven-effective formula for freeing yourself from debt—and staying that way • Revised and updated, with a new Preface by the author

“A must read for anyone wanting to get their head above water.”—The Wall Street Journal

THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION

OUT OF THE RED • Do this month’s bills pile up before you’ve paid last month’s? • Do you regularly receive past-due notices? • Do you get letters threatening legal action if immediate payment is not made? • Do the total amounts of your revolving charge accounts keep rising?

INTO THE BLACK Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans—from doctors to secretaries, from executives to the unemployed—face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn

• how to recognize the warning signs of serious debt • how to negotiate with angry creditors, collection agencies, and the IRS • how to design a realistic and painless payback schedule • how to identify your spending blind spots • how to cope with the anxiety and daily pressures of owing money • plus the three cardinal rules for staying out of debt forever, and much more!

This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.

Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)!

If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide.

Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including:

- Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you’re out with your crew and can’t afford to split the bill evenly- How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more.

Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT!

Anyone suffering under the crushing weight of debt knows how impossible it can seem to find a way out. It’s overwhelming—and the more complicated the proposed solution, the harder it is to stick with it. That’s why The Debt-Free Spending Plan is SIMPLE. It doesn’t require sifting through chapters of high-minded financial advice or digging up your past spend ing history. It assumes you need help RIGHT NOW, and gives it to you. You will learn to: • Downsize expenses without feeling deprived • Allocate money as it comes in and put together an easy-to-manage bill-paying plan • Adjust for inevitable overspend ing • Pay off debt without gouging expenses and (believe it or not) start saving The plan is clear, easy, and takes just five minutes a day—and it doesn’t matter if you make $14,000 or $14 million. With straightforward daily spending strategies and effortless expense tracking tools, you will soon find yourself on the road to financial freedom—all before the next billing cycle.

The Blue Sweater is the inspiring story of a woman who left a career in international banking to spend her life on a quest to understand global poverty and find powerful new ways of tackling it. It all started back home in Virginia, with the blue sweater, a gift that quickly became her prized possession--until the day she outgrew it and gave it away to Goodwill. Eleven years later in Africa, she spotted a young boy wearing that very sweater, with her name still on the tag inside. That the sweater had made its trek all the way to Rwanda was ample evidence, she thought, of how we are all connected, how our actions--and inaction--touch people every day across the globe, people we may never know or meet. From her first stumbling efforts as a young idealist venturing forth in Africa to the creation of the trailblazing organization she runs today, Novogratz tells gripping stories with unforgettable characters--women dancing in a Nairobi slum, unwed mothers starting a bakery, courageous survivors of the Rwandan genocide, entrepreneurs building services for the poor against impossible odds.

She shows, in ways both hilarious and heartbreaking, how traditional charity often fails, but how a new form of philanthropic investing called "patient capital" can help make people self-sufficient and can change millions of lives. More than just an autobiography or a how-to guide to addressing poverty, The Blue Sweater is a call to action that challenges us to grant dignity to the poor and to rethink our engagement with the world.

For the first time in history, eradicating world poverty is within our reach. Yet around the world, a billion people struggle to live each day on less than many of us pay for bottled water. In The Life You Can Save, Peter Singer uses ethical arguments, illuminating examples, and case studies of charitable giving to show that our current response to world poverty is not only insufficient but morally indefensible. The Life You Can Save teaches us to be a part of the solution, helping others as we help ourselves.

Nine years ago I was in debt because of the huge legal fees and the loss of my job. I was an innocent victim fighting for justice. The lawyer's fee almost bankrupt me. I resorted to borrowing from my family, the bank and my credit card was max out. The money goes to pay high interest. I got deeper and deeper into the debt sink hole. I was frustrated and depressed about my situation.

That experience motivated me to do everything to get myself out of debt. I read as many books as I can find in the public library, and spending hours researching on the Internet. I did everything I possible could. It took me more than a year to get out of debt.

Out of this painful experience, come this book. From all these experiences and research , I developed the strategies to get out of debt and live a debt free life. It worked for me. It can work for you.

In this book, you will discover:- Warning Signs of Too Much Debt- Why People are in Debt- The Truth about Debt- The Credit Card scam- The power of Compound Interest- How to stop the financial hemorrhage- How to Live Below Your Means- How to create a Repayment Plan- How to create a Spending Plan- How to Save- How to Increase Your Earning Capability- How to Cultivate a Prosperity Mindset

When you implement the strategies in this book, you will discover the truth and the lies about credit card, you will know how to get out of debt, and live a Debt-Free Life and prosperous life.

This is a very small cost to invest in getting debt free! You will save far more than the cost of book, The amount is less than a hour of personal coaching. Apply what you learn and it will get you out of debts forever.

An inspiring account of America at its worst-and Americans at their best-woven from the stories of Depression-era families who were helped by gifts from the author's generous and secretive grandfather.

Shortly before Christmas 1933 in Depression-scarred Canton, Ohio, a small newspaper ad offered $10, no strings attached, to 75 families in distress. Interested readers were asked to submit letters describing their hardships to a benefactor calling himself Mr. B. Virdot. The author's grandfather Sam Stone was inspired to place this ad and assist his fellow Cantonians as they prepared for the cruelest Christmas most of them would ever witness.

Moved by the tales of suffering and expressions of hope contained in the letters, which he discovered in a suitcase 75 years later, Ted Gup initially set out to unveil the lives behind them, searching for records and relatives all over the country who could help him flesh out the family sagas hinted at in those letters. From these sources, Gup has re-created the impact that Mr B. Virdot's gift had on each family. Many people yearned for bread, coal, or other necessities, but many others received money from B. Virdot for more fanciful items-a toy horse, say, or a set of encyclopedias. As Gup's investigations revealed, all these things had the power to turn people's lives around- even to save them.

But as he uncovered the suffering and triumphs of dozens of strangers, Gup also learned that Sam Stone was far more complex than the lovable- retiree persona he'd always shown his grandson. Gup unearths deeply buried details about Sam's life-from his impoverished, abusive upbringing to felonious efforts to hide his immigrant origins from U.S. officials-that help explain why he felt such a strong affinity to strangers in need. Drawing on his unique find and his award-winning reportorial gifts, Ted Gup solves a singular family mystery even while he pulls away the veil of eight decades that separate us from the hardships that united America during the Depression. In A Secret Gift, he weaves these revelations seamlessly into a tapestry of Depression-era America, which will fascinate and inspire in equal measure.

Most of us want to make a difference. We donate our time and money to charities and causes we deem worthy, choose careers we consider meaningful, and patronize businesses and buy products we believe make the world a better place. Unfortunately, we often base these decisions on assumptions and emotions rather than facts. As a result, even our best intentions often lead to ineffective—and sometimes downright harmful—outcomes. How can we do better?

While a researcher at Oxford, trying to figure out which career would allow him to have the greatest impact, William MacAskill confronted this problem head on. He discovered that much of the potential for change was being squandered by lack of information, bad data, and our own prejudice. As an antidote, he and his colleagues developed effective altruism, a practical, data-driven approach that allows each of us to make a tremendous difference regardless of our resources. Effective altruists believe that it’s not enough to simply do good; we must do good better.

At the core of this philosophy are five key questions that help guide our altruistic decisions: How many people benefit, and by how much? Is this the most effective thing I can do? Is this area neglected? What would have happened otherwise? What are the chances of success, and how good would success be? By applying these questions to real-life scenarios, MacAskill shows how many of our assumptions about doing good are misguided. For instance, he argues one can potentially save more lives by becoming a plastic surgeon rather than a heart surgeon; measuring overhead costs is an inaccurate gauge of a charity’s effectiveness; and, it generally doesn’t make sense for individuals to donate to disaster relief.

MacAskill urges us to think differently, set aside biases, and use evidence and careful reasoning rather than act on impulse. When we do this—when we apply the head and the heart to each of our altruistic endeavors—we find that each of us has the power to do an astonishing amount of good.

According to the United States Bankruptcy Courts, the number of bankruptcies filed each year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13.

Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years. A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates.

In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit.

Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction.

Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.

In Everyday Ambassador Kate Otto brings people together even as our digital networks pull us further apart.

In a world of limitless technology, we are more connected than ever before but our hyper-connected lifestyles threaten our ability to know ourselves and interact with each other. By focusing on the four core values that allow us to become truly “connected” in tech-centric societies—empathy, patience, focus, and humility—Otto demonstrates that the power of technology is not in the tool, but in the intention of the person using it.

Everyday Ambassador offers a unique solution to those who aspire to truly make a difference in the twenty-first century—revealing the secrets of how to unite people, even when technology keeps us at a distance from others—emotionally and physically. Otto helps us lift our heads up from our cell phones and tablets and take a look at the people standing right in front of us.

In a time when good citizenship is the new currency of cool, Everyday Ambassador gives us the tactics to connect in our disconnected world.

From one of Nielsen’s top 50 power moms comes advice you can take to the bank—literally!

Crystal Paine, who has helped busy women everywhere take control of their finances, presents her most effective strategies designed for families of all sizes and income levels. With hundreds of inspiring “why didn’t I think of that?” tips, plus worksheets, Paine breaks down your goals into easy, manageable steps so you can:

Peter Singer’s books and ideas have been disturbing our complacency ever since the appearance of Animal Liberation. Now he directs our attention to a challenging new movement in which his own ideas have played a crucial role: effective altruism. Effective altruism is built upon the simple but profoundly unsettling idea that living a fully ethical life involves doing the "most good you can do." Such a life requires a rigorously unsentimental view of charitable giving: to be a worthy recipient of our support, an organization must be able to demonstrate that it will do more good with our money or our time than other options open to us. Singer introduces us to an array of remarkable people who are restructuring their lives in accordance with these ideas, and shows how, paradoxically, living altruistically often leads to greater personal fulfillment than living for oneself.

Doing the Most Good develops the challenges Singer has made, in the New York Times and Washington Post, to those who donate to the arts, and to charities focused on helping our fellow citizens, rather than those for whom we can do the most good. Effective altruists are extending our knowledge of the possibilities of living less selfishly, and of allowing reason, rather than emotion, to determine how we live. Doing the Most Good offers new hope for our ability to tackle the world’s most pressing problems.

“People always say I’m going to look back on these days and laugh — why put it off?”

When Angela Nissel found herself struggling financially while in college, instead of sulking, she decided to entertain herself by creating an online journal that chronicled her day-to-day trials and tribulations. Written with humor and intelligence, her “Broke Diary” quickly found an audience as people wrote to Angela to empathize with, console, and laugh with her about her experiences and even share their own. The Broke Diaries is the first complete compilation of her experiences, written in a voice that is funny, unique, and dead-on.

On buying ramen noodles: I am sooooooo embarassed. I only have 33 cents. I (please don’t laugh) put the money on the counter and quickly attempt to dash out with my Chicken Flavored Salt Noodles. The guy calls me back! I look up instinctively, I should have run . . . Why didn’t I run???!! He tells me the noodles are 35 cents. I try to apologize sincerely. I thought the sign said 33 cents yesterday, so that’s all I brought with me. Could he wait while I ran home and get the 2 cents? I show him my student I.D. to let him know I am not a thief. He shakes his head and motions either for me to get the hell out of his store and never come back again or get the money as do come back. I don’t know. He said something like “Nyeh” and swiped his hand in my direction. I can’t translate hand motions well.The noodles: tasty!!!

Popular blogger Anna Newell Jones of AndThenWeSaved.com delivers this self-help manifesto that reveals how a "spending fast" will help you get on the road to living debt-free.

In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. An inveterate “spender,” she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn’t take action, but she didn’t know where to look for help. On a whim, Anna decided to go on a spending fast—an idea she heard in passing but knew little about. Creating her own method, she learned what worked and what didn’t and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in only 15 months! She was interviewed in Forbes, Self, Glamour, Good Housekeeping, and the Chicago Tribune.

Anna’s journey inspired people and showed them that they too could change the way they dealt with their own money woes. The Spender’s Guide To Debt-Free Living takes readers through a detailed step-by-step plan on how to do a Spending Fast and get out of debt, including:

Creating a personalized Debt-Free Life Pledge. Understanding where your money is going when you’re in debt, and where it will come from to pay it off. Learning why putting money into a savings account before (or while) paying off debt may not be the best idea for you. Finding additional income sources and generating side gigs. Re-integrating spending into your life once you’re out of debt, so that you stay out of debt.

Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender’s Guide to Debt-Free Living proves that you don’t have to win the lottery or get a new job to change your life.

A leading economist and researcher report from the front lines of a revolution in solving the world's most persistent problem.

When it comes to global poverty, people are passionate and polarized. At one extreme: We just need to invest more resources. At the other: We've thrown billions down a sinkhole over the last fifty years and accomplished almost nothing.

Dean Karlan and Jacob Appel present an entirely new approach that blazes an optimistic and realistic trail between these two extremes.

In this pioneering book Karlan and Appel combine behavioral economics with worldwide field research. They take readers with them into villages across Africa, India, South America, and the Philippines, where economic theory collides with real life. They show how small changes in banking, insurance, health care, and other development initiatives that take into account human irrationality can drastically improve the well-being of poor people everywhere.

We in the developed world have found ways to make our own lives profoundly better. We use new tools to spend smarter, save more, eat better, and lead lives more like the ones we imagine. These tools can do the same for the impoverished. Karlan and Appel's research, and those of some close colleagues, show exactly how.

In America alone, individual donors contribute over two hundred billion to charity annually, three times as much as corporations, foundations, and bequests combined. This book provides a new way to understand what really works to reduce poverty; in so doing, it reveals how to better invest those billions and begin transforming the well-being of the world.

Jean Chatzky has been working with viewers of NBC’s Today show for a series on how to get out of debt once and for all. Her method, both on TV and in this book, is simple yet powerful: the key is saving just $10 a day that you currently waste. It doesn’t sound like much—a movie ticket or lunch for two at McDonald’s— but $10 really can take you from debt to wealth in just a few years. And because it doesn’t feel like an impossible goal, people are more likely to stick with Chatzky’s plan than an extreme regimen of spending cutbacks. Chatzky is focusing on debt because it’s the single biggest threat to our financial health. The average American family has sixteen credit cards and high-rate debt of more than $8000, not even counting car loans and mortgages. They pay more than $1000 a year in interest alone. Debt makes people feel depressed and overwhelmed, leaving them without enough money for the truly important things in life—education, retirement, owning a home, feeling secure. Chatzky, one of America’s most popular personal finance experts, writes in down- to- earth, woman-next-door language about how to get started right away, without giving up the things that truly give you pleasure. She offers practical, accessible strategies to help readers find the money to pay off their bills, lower their interest rates, and improve their credit scores. Featuring real-life examples of people featured on her Today show series, Pay It Down can transform debtors into future millionaires.

Do you know if you have enough? Do you know how much is enough? If you can't answer these questions, Master Your Money is for you.

In this book, Ron Blue extracts principles from God's Word and applies them to your financial portfolio.

Learn how to:

Avoid the most common financial mistakesApply biblical principles for money managementSave, invest, and give wiselyCreate a long-term financial plan that worksPlan for your taxes and estate needsGet out of debt

Ron’s professional experience in financial planning will ease your anxieties over money and be an asset to you and your family for generations to come. Learn the tools and techniques you need to move forward toward true financial freedom.

This new edition includes important updates and new content, making it timely and relevant.

The story of Welles Crowther, whose actions on 9/11 offer a lasting lesson on character, calling and courage

One Sunday morning before church, when Welles Crowther was a young boy, his father gave him a red handkerchief for his back pocket. Welles kept it with him that day, and just about every day to come; it became a fixture and his signature.

A standout athlete growing up in Upper Nyack, NY, Welles was also a volunteer at the local fire department, along with his father. He cherished the necessity and the camaraderie, the meaning of the role. Fresh from college, he took a Wall Street job on the 104th floor of the South Tower of the World Trade Center, but the dream of becoming a firefighter with the FDNY remained.

When the Twin Towers fell, Welles’s parents had no idea what happened to him. In the unbearable days that followed, they came to accept that he would never come home. But the mystery of his final hours persisted. Eight months after the attacks, however, Welles’s mother read a news account from several survivors, badly hurt on the 78th floor of the South Tower, who said they and others had been led to safety by a stranger, carrying a woman on his back, down nearly twenty flights of stairs. After leading them down, the young man turned around. “I’m going back up,” was all he said.

The survivors didn’t know his name, but despite the smoke and panic, one of them remembered a single detail clearly: the man was wearing a red bandanna.

Tom Rinaldi’s The Red Bandanna is about a fearless choice, about a crucible of terror and the indomitable spirit to answer it. Examining one decision in the gravest situation, it celebrates the difference one life can make.

Clark Howard is a media powerhouse and penny-pincher extraordinaire who knows a thing or two about money. A lifelong entrepreneur who is now the hugely popular host of a talk radio program and television show and the bestselling author of several books, Clark consistently delivers expert financial advice to his wide and devoted fan base.

Living Large in Lean Times is Clark's ultimate guide to saving money, covering everything from cell phones to student loans, coupon websites to mortgages, investing to electric bills, and beyond. In his candid and friendly next-door-neighbor manner, Clark shares the small, manageable steps everyone can follow to build a path towards independence and wealth. Chock-full of more than 250 invaluable tips, the book outlines how to:

Locate missing and unclaimed money in your name Lower your student loan payment Find legitimate work-at-home opportunities Get unlimited texting and e-mailing for less than $10 per month Know what personal info not to post to social media sites Determine the best mortgage rate, and much, much more

As Clark demonstrates, there are myriad ways to reduce debt, buy smarter, and build a future. Follow his lead and he'll get you there.

“Human trafficking is not an issue of the left or right, blue states or red states, but a great moral tragedy we can unite to stop . . . Not for Sale is a must-read to see how you can join the fight.” —Jim Wallis, author of God's Politics

“David Batstone is a heroic character.” —Bono

In the revised and updated version of this harrowing yet deeply inspirational exposé, award-winning journalist David Batstone gives the most up-to-date information available on the $31 billion human trafficking epidemic. With profiles of twenty-first century abolitionists like Thailand’s Kru Nam and Peru’s Lucy Borja, Batstone tells readers what they can do to stop the modern slave trade. Like Kevin Bales’ Disposable People and Ending Slavery, or E. Benjamin Skinner’s A Crime So Monstrous, Batstone’s Not for Sale is an informative and necessary manifesto for universal freedom.

A troubled economy calls for answers. Forget complicated, abstract philosophy—people need sound financial advice that's easy to follow and can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios in order to get an instant picture of their savings status and overall financial health, as well as a roadmap for the important choices they must make in the future. Here’s what you will find in this book:

IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.

IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.

IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.

Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, low interest rates, housing, employment opportunities, and even insurance premiums. Millions of Americans have negative, inaccurate, and unverifiable information on their credit report. Repairing your credit profile is one of the most important financial decisions you can make. You're about to take the important step of taking control of your credit!

If you're like the average American, having improved credit will save you thousands of dollars on your loans and credit cards. You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book. There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act.

This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud. This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information.

Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president's garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.

In However Long the Night, Aimee Molloy tells the unlikely and inspiring story of Molly Melching, an American woman whose experience as an exchange student in Senegal led her to found Tostan and dedicate almost four decades of her life to the girls and women of Africa.

This moving biography details Melching's beginnings at the University of Dakar and follows her journey of 40 years in Africa, where she became a social entrepreneur and one of humanity's strongest voices for the rights of girls and women.

Inspirational and beautifully written, However Long the Night: Molly Melching's Journey to Help Millions of African Women and Girls Triumph is a passionate entreaty for all global citizens. This book is published in partnership with the Skoll Foundation, dedicated to accelerating innovations from organizations like Tostan that address the world's most pressing problems.

A hands-on, interactive guide to managing your monday and building your financial future

Many of the worksheets in this book are available online and can be saved, printed, and recalculated at any time. Go to: WSJ.com/BookTools

Understanding your money, and getting it to work for you, is more important today than it ever was, because you alone are responsible for every aspect of your financial life, from managing your day-to-day living expenses to planning a college savings fund and, ultimately, retirement. The sooner you start taking control of your financial life the better, and there’s no greater authority on financial matters than The Wall Street Journal. This workbook takes the mystery out of personal finance and addresses every topic you’ll need to master, from building a solid financial base to growing your financial assets. Worksheets, charts, and step-by-step instructions throughout help you do the math and work through the basics, making it quick and easy to organize your cash and eventually build wealth. Learn how to:

You may not be a millionaire now or in six months, but you can become one if you change your mindset and adopt proven financial strategies that have helped countless others become true millionaires.

There's no need to live frugally to achieve financial freedom in the future. Instead, you should focus on making smart choices based on your personal needs and wants. Of course, you can't avoid spending some money but you'll want to figure out how to put aside funds and accumulate wealth for later years.

Based on advice from the acclaimed newsletter, The Franklin Prosperity Report, you will learn how to:

Philanthropy has existed in various forms in all cultures and civilizations throughout history, yet most people know little about it and its distinctive place in our lives. Why does philanthropy exist? Why do people so often turn to philanthropy when we want to make the world a better place? In essence, what is philanthropy? These fundamental questions are tackled in this engaging and original book. Written by one of the founding figures in the field of philanthropic studies, Robert L. Payton, and his former student sociologist Michael P. Moody, Understanding Philanthropy presents a new way of thinking about the meaning and mission of philanthropy. Weaving together accessible theoretical explanations with fascinating examples of philanthropic action, this book advances key scholarly debates about philanthropy and offers practitioners a way of explaining the rationale for their nonprofit efforts.

A completely revised and updated fourth edition of the New York Times bestseller, designed to guide younger adults through the world of personal finance.

More than ever before, people in their twenties and thirties need help getting their financial lives in order. And who could blame them?

These so-called millennials have come of age in the wake of the worst economic crisis in memory, and are now trying to get by in its aftermath. They owe record levels of student loan debt, face sky-high rents, and struggle to live on a budget in an uncertain economy.

It’s time for them to get a financial life.

For two decades, Beth Kobliner’s bestseller has been the financial bible for people in their twenties and thirties. With her down-to-earth style, she has taught them how to get out of debt, learn to save, and invest for their futures. In this completely revised and updated edition, Kobliner shares brand-new insights and concrete, actionable advice geared to help a new generation of readers form healthy financial habits that will last a lifetime. With fresh material that reflects the changing digital world, Get a Financial Life remains an essential tool for young people learning how to manage their money.

From tackling taxes to boosting credit scores, Get a Financial Life can show those just starting out how to decrease their debt, avoid common money mistakes, and navigate the world of personal finance in today’s ever-changing landscape.

Everyone wants a simple and practical way to manage their money, but with countless financial planners, budgeting articles, and websites available, it's not always easy to figure out where to start. Filled with only the most essential information on budgeting, this book shows you how to build a financial plan that not only meets your needs, but helps you stay on track.

From prioritizing goals and listing expenses to saving regularly and planning for future finances, this book guides you through all the important steps of budgeting with realistic advice. You'll be able to create a visual portrait of your finances as well as learn how to manage your spending, stay out of debt, and build for the future. This book also includes a resource guide for free and up-to-date web tools that make the process as easy and comprehensive as possible.

With The Only Budgeting Book You'll Ever Need, you will finally be able to find peace of mind knowing that you can create a realistic budget that works for your financial situation and goals.

Tens of thousands of readers trust Dan Solin's advice when it comes to investing, managing their 401(k)s, and planning for retirement. Now Solin offers the smartest guide to money management and financial planning yet.

From managing your debt, boosting your savings, and owning (or renting) a home to buying insurance, maximizing investment returns, and retiring when you want to, The Smartest Money Book You'll Ever Read is your road map to financial freedom-and to enjoying yourself along the way.

As the recession deepens, with a downturn in spending, rise in defaulting mortgages and throttling of credit, a Go-Go economy has transitioned to a Uh-Oh economy. How did we get here and what does it mean for individuals and families? The New Frugality lays out how Americans have overspent-and offers a way out through consuming less and saving more-showing that living simply is not just living "cheaply."

What is required is a paradigm shift. We need to learn to live more modestly by cutting back on spending, actually attempting to live within our means and increasing savings. Farrell outlines creative new ways of thinking that can help us to accomplish this, not just by reverting to earlier financial models, but by innovating new solutions that are appropriate to the times we live in. In some ways, The New Frugality is the fiscal equivalent of the green movement; and indeed, going green is also part of the project. In The New Frugality Farrell will show where the economy is going, how it will affect regular families, and how they can weather the storm.

From the #1 personal finance columnist on the Internet (Nielsen/NetRatings)-a clear prescription for financial health in the 2010s and beyond.

For previous generations, living within your means was a simple formula. Now, with the staggering rise in education, health care, and housing costs, millions of people find themselves skating from paycheck to paycheck with no idea how to move forward.

As the most-read personal finance columnist on the Internet, Liz Weston has heard the questions and has the answers. Her 10 Commandments of Money will help readers avoid critical mistakes, survive the bad times, and thrive in the good ones. Just a few of Weston's invaluable pointers include how to:

Make more money brings together some of the greatest ideas on wealth and finance from four classic books. Karen McCreadie, Tim Phillips and Steve Shipside bring together the key concepts from their interpretations of Napoleon Hill's Think and Grow Rich, Benjamin Franklin's The Way to Wealth, George S. Clason's The Richest Man in Babylon and Charles Mackay’s Extraordinary Popular Delusions and the Madness of Crowds. These best-selling landmarks of self-help, written from the mid-eighteenth to early twentieth centuries, have inspired the world with simple and effective ideas that continue to influence today’s busy and ambitious readers. The wise lessons from these books have been reinterpreted in Make more money, with modern investment and personal finance examples. The 100 short, entertaining chapters, which include practical tips and inspiring quotations, are designed to help twenty-first century readers make their money grow.

The veteran urban activist and author of the revolutionary Toxic Charity returns with a headline-making book that offers proven, results-oriented ideas for transforming our system of giving.

In Toxic Charity, Robert D. Lupton revealed the truth about modern charity programs meant to help the poor and disenfranchised. While charity makes donors feel better, he argued, it often hurts those it seeks to help. At the forefront of this burgeoning yet ineffective compassion industry are American churches, which spend billions on dependency-producing programs, including food pantries. But what would charity look like if we, instead, measured it by its ability to alleviate poverty and needs?

That is the question at the heart of Charity Detox. Drawing on his many decades of experience, Lupton outlines how to structure programs that actually improve the quality of life of the poor and disenfranchised. He introduces many strategies that are revolutionizing what we do with our charity dollars, and offers numerous examples of organizations that have successfully adopted these groundbreaking new models. Only by redirecting our strategies and becoming committed to results, he argues, can charity enterprises truly become as transformative as our ideals.

For the socially conscious, the intellectually curious, or the creative soul comes an inspiring, New York Times bestselling handbook for success in business, life, and the all-important task of building a more compassionate world—by the visionary founder and CEO of KIND Healthy Snacks.

When Daniel Lubetzky started KIND Healthy Snacks in 2004, he aimed to defy the conventional wisdom that snack bars could never be both tasty and healthy, convenient and wholesome. A decade later, the transformative power of the company’s “AND” philosophy has resulted in an astonishing record of achievement. KIND has become the fastest-growing purveyor of healthy snacks in the country. Meanwhile, the KIND Movement—the company’s social mission to make the world a little kinder—has sparked more than a million good deeds worldwide.

In Do the KIND Thing, Lubetzky shares the revolutionary principles that have shaped KIND’s business model and led to its success, while offering an unfiltered and intensely personal look into the mind of a pioneering social entrepreneur. Inspired by his father, who survived the Holocaust thanks to the courageous kindness of strangers, Lubetzky began his career handselling a sun-dried tomato spread made collaboratively by Arabs and Jews in the war-torn Middle East. Despite early setbacks, he never lost his faith in his vision of a “not-only-for-profit” business—one that sold great products and helped to make the world a better place.

While other companies let circumstances force them into choosing between two seemingly incompatible options, people at KIND say “AND.” At its core, this idea is about challenging assumptions and false compromises. It is about not settling for less and being willing to take greater risks, often financial. It is about learning to think boundlessly and critically, and choosing what at first may be the tougher path for later, greater rewards. By using illuminating anecdotes from his own career, and celebrating some past failures through the lessons learned from them, Lubetzky outlines his core tenets for building a successful business and a thriving social enterprise. He explores the value of staying true to your brand, highlights the importance of transparency and communication in the workplace, and explains why good intentions alone won’t sell products.

Engaging and inspirational, Do the KIND Thing shows how the power of AND worked wonders for one company—and could empower the next generation of social entrepreneurs to improve their bottom line and change the world.

Advance praise for Do the KIND Thing

“An enjoyable read . . . wise advice about matters from product development to people management.”—Financial Times

“By sharing the ten tenets that helped KIND grow, Daniel Lubetzky has given entrepreneurs a road map to success that includes both passion and purpose.”—Arianna Huffington, president and editor in chief, Huffington Post Media Group

“Lubetzky uses the power of kindness to build purpose into his business and his community. He’s a role model for future leaders.”—Mehmet Oz, M.D., professor of surgery, Columbia University

“I’ve always been a fan of the KIND brand. This engaging and inspirational book shows how coupling a social mission with creativity can spark change and empower a generation.”—Bobbi Brown, founder and CCO, Bobbi Brown Cosmetics

The must-read summary of Robert Kiyosaki and Sharon Lechter's book: "Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money - That the Poor and Middle Class Do Not!"

This complete summary of the ideas from Robert Kiyosaki and Sharon Lechter's book "Rich Dad, Poor Dad" shows that what is in your head ultimately determines what is in your hands: if you want to improve your circumstances, you need to change the way you think. This summary highlights the importance of educating yourself and developing financial intelligence by spending time with successful people, reading books, and attending seminars. All in all, this summary shows that your life will be more rewarding and more fulfilling if you just take the time to learn and think about where you’re heading.

The creative class—artists, actors, writers, musicians, freelancers, dancers, performers, and the like—are known for applying their passion for creative expression to everything they do. Perhaps the one thing that most fills this group with apprehension is the rigid world of numbers. This leads to problems arising from the unconventional financial and business situations of creative professionals, as well as the nonprofit organizations with which they're often affiliated. Finances, budgeting, and business matters can be dreaded, if not outright ignored, by creatives--to the detriment of their artistic pursuits.

Author, artist, and CPA Elaine Grogan Luttrull has written Arts & Numbers to help creative professionals find the same confidence in their financial dealings as in their chosen mode of expression. It is an engaging, accessible guide that covers a variety of must-know topics, such as budgeting, cash management, visual charting, taxes, employment, and business etiquette. In a simple, straightforward style, Luttrull draws examples from smooth-flowing narratives depicting common issues within the arts worlds, as well as from her own personal anecdotes. Unlike stuffy textbooks and patronizing business books, Arts & Numbers is a lively and artfully done ally in helping creative professionals plan their present financial situations and secure their futures.

An inside look at the secretive world of elite philanthropists--and how they're quietly wielding ever more power to shape American life in ways both good and bad.

While media attention focuses on famous philanthropists such as Bill Gates and Charles Koch, thousands of donors are at work below the radar promoting a wide range of causes. David Callahan charts the rise of these new power players and the ways they are converting the fortunes of a second Gilded Age into influence. He shows how this elite works behind the scenes on education, the environment, science, LGBT rights, and many other issues--with deep impact on government policy. Above all, he shows that the influence of the Givers is only just beginning, as new waves of billionaires like Mark Zuckerberg turn to philanthropy. Based on extensive research and interviews with countless donors and policy experts, this is not a brief for or against the Givers, but a fascinating investigation of a power shift in American society that has implications for us all.